Payora vs OxaPay: a 0%-to-accept alternative
OxaPay is a hosted, Telegram-first processor. If you want to keep custody of your funds and pay 0% to accept, here is how Payora compares.
How Payora compares to OxaPay
The short version: Payora gives you a real REST API, signed webhooks and an SDK integration for any stack, not just a bot.
Where OxaPay typically leaves you with custodial balances and a bot-centric surface, Payora is software you run yourself — so the settlement path has no third party, and acceptance is free.
| — | Payora | OxaPay |
|---|---|---|
| Custody of funds | 0% to accept | Typically custodial |
| Fee to accept | 0% | Per-transaction % |
| Hosting | Nothing to install | Managed service |
| Coins / networks | 50 across 22 networks | Varies |
| Webhook signing | HMAC-SHA256, per-endpoint secret | Varies |
| CMS modules | 22 included | Varies |
Is Payora right for you?
If you value custody, low fees and control, and you can spend an hour on setup, Payora is the stronger fit. If you want a fully managed service and don't mind custody or per-transaction fees, OxaPay may suit you. Many teams migrate to Payora specifically to stop paying to accept and to remove custody risk.
